Covid-19 Outbreak SA Online Resource | More info
Insurance, Car Insurance, Funeral Cover, Life Insurance, Budget Insurance, Insurance Quotes, CompareGuru, South Africa.
Car and Household
Life and Funeral
Car Insurance
Cover your vehicle
More Information
Get Quote
Pre-Owned Warranty
Cover the mechanical and electrical components of your vehicle
More Information
Get Quote
Extended Warranty
Cover the mechanical and electrical components of your vehicle
More Information
Get Quote
Scratch and Dent
Cover small dents, chips and scratches to your vehicle
More Information
Get Quote
Tyre and Rim
Cover damages to your wheels
More Information
Get Quote
Home Insurance
Cover your home and everything in it
More Information
Get Quote
Commercial Vehicle Insurance
Protect vehicles and drivers used in the day-to-day operation of your business against risks like financial loss, damage or personal injury.
More Information
Get Quote
Commercial Insurance
Provide cover against common risks and disruptions to business operations, such as theft, damage to property, employee / client injury and much more.
More Information
Get Quote
Directors and Officers Liability
Safeguard your business and key players from financial loss with the right policy.
More Information
Get Quote
Errors and Omissions Liability
Covers your business and employees against claims of negligence, poor workmanship, and more.
More Information
Get Quote
Life Insurance
Provide for your loved ones
More Information
Get Quote
Disability Insurance
Protect your paycheck
More Information
Get Quote
Serious Illness Insurance
Cover yourself for illnesses like cancer, Alzheimers, Parkinsons, strokes or heart attacks.
More Information
Get Quote
Funeral Cover
Protect your family financially and cover funeral expenses
More Information
Get Quote
Domestic Worker Insurance
Cover the person that looks after you and your family everyday
More Information
Get Quote
About Us
Domestic Worker Cover Quote
Life Insurance Quote
Car Insurance Quote
Funeral Insurance Quote
Extended Warranty Quote
Pre-Owned Warranty Quote
Scratch and Dent Quote
Tyre And Rim Quote
News Room
Meet The Team
Car Insurance
Building Insurance
Household Contents Insurance
Life Insurance
Disability Insurance
Serious Illness Insurance
Domestic Worker Insurance
All Risk Insurance
Funeral Insurance
MotorVAPS Cover
Commercial Insurance
Commercial Vehicle Insurance
Directors and Officers Liability Insurance
Errors and Omissions Liability Insurance
Contact Us
Terms of Service
Privacy Policy
Client Letter
CIM Policy
Complaint Escalation
TCF Form

News Room

Decoding Serious, Critical and Terminal Illness

Jason Snyman
Many people don’t know the difference between serious, critical and terminal illness until they have it, or have to claim for it. Here’s a guide to prepare you.

Many people don’t know the difference between serious, critical and terminal illness. Most of the time, it takes becoming a patient yourself – or watching a loved one live through it – to fully understand what each of these mean, and why it's so important to prepare for it.

With regards to life insurance, things are often complicated enough as is, but they certainly don’t need to be. 

Let’s begin by breaking down these three categories of ailment, and explaining each in the clearest way possible.

Serious Illness

Serious illnesses walks hand in hand with critical illness. The chief distinction between them is the severity of the affliction and, commonly, the amount of cover paid out. 

So, we can therefore define a serious illness as one that has the potential to kill you if gone untreated, but because it can be diagnosed so quickly and treated so easily, patients are more likely to recover. 

If the person suffering fails to receive medical intervention in time, the sickness may progress and become life threatening. Then it becomes a critical illness. 

When diagnosed with a serious illness, a patient may require hospitalisation, which may or may not require any surgical procedures to ensure a healthy recovery. The most important distinction here is that a serious illness, though often discomforting, is not immediately life threatening. Provided, of course, that the affected person receives timely medical attention. 

Insurance companies offer a number of good health plans to cover the hospital or medical expenses. Policies for both serious and critical illnesses cover a wide range of afflictions, and commonly pay out a lump sum amount. The amount paid might be significantly less than what you would receive with critical illness cover, but the chances of receiving the pay-out at all is far greater. 

Also, whereas critical cover doesn’t take the level of severity into account (just that it is severe in general), serious illness cover does. The less severe your condition is, the less the pay-out will be.  

Critical Illness

Critical illnesses are life threatening and commonly require immediate hospitalisation. Though life threatening, with appropriate medical attention the disease could be cured, or at the very least, controlled. 

At this stage, though, critical illnesses usually require specialised treatment, which is quite expensive. Examples of critical illness include:

  • Kidney failure;
  • Multiple sclerosis;
  • Stroke;
  • Cancer;
  • Heart attack;
  • Liver disease;
  • Coma;
  • Organ transplant;
  • Brain surgery.

Depending on the treatment received, patients suffering from critical illness may be fortunate enough to fully recover. Alternatively, the disease may be kept in check long enough for the person to live a normal life. 

Cancer, for example, is a common critical ailment these days. If detected in time, certain types of cancer could be treated and the patient may enjoy a full recovery. 

For many other diseases there remains no cure at all. If detected in an early stage, the progress of these diseases may be slowed or halted with the right medication or changes in diet and lifestyle. 

Unfortunately, both scenarios are likely to cost you a lot of money. Insurance companies offer different kinds of cover for critical illnesses. These include policies for specialised critical illnesses, and usually offer a lump sum payment to the insured upon diagnosis of the listed illness. 

This is important. The illness has to be listed in order to qualify. 

Even so, the diagnosis may have to meet certain criteria, such as severity, in order for the insurer to pay. The amount paid, though, is for the sum assured – completely separate from the actual cost of the treatment. You could put this money toward the lengthy treatment, or you could use it for whatever else you’d like. 

In many harrowing cases, critical illness goes untreated and may advance to terminal illness. 

That means exactly what you think it means.

Terminal Illness

When a person suffers from a life threatening disease with little to no chance of a cure, this is a terminal illness. In many cases, such a disease will lead to death within six months to a year. Terminal illnesses are generally beyond treatment, with little in the way of slowing the progress or easing the suffering. 

With a health insurance plan in place, insurers will pay the treatment and hospitalisation costs, or any related expenses. 

This is usually an assured lump sum amount paid out after the critical illness has been diagnosed or, for instance, if a critical illness has progressed to terminal illness. 

It’s often a wise choice to supplement this health insurance with something like Gap Cover, which is an important short-term insurance product specifically designed for people who already have medical aid.

Gap Cover helps cover any financial deficit between what your health practitioner charges and what your medical aid is willing to pay, and remains one of the most vital assets in the long, hard fight against many prevalent types of cancer.

Life insurance companies also offer term insurance plans, where the assured amount is paid out on death or diagnosis of the terminal illness. This diagnosis – or cause of death – has to be certified by an independent medical practitioner in order to ensure a pay-out. The medical certificate is then submitted to the insurance company along with any other necessary documents. 

In some cases, the insurer may even appoint its own independent medical practitioner to investigate the case. Once the insurer is satisfied that the insured is indeed terminally ill, with very little chance of survival, the company will pay the lump sum. 

Miracles, however, do occur, and sometimes terminal patients could recover against all odds.   

CompareGuru has you covered.

During the pandemic, lockdown and beyond, CompareGuru recognises the uncertainty and anxiety you may be experiencing, and to do our part, we are offering the assistance and guidance of our expert Gurus at absolutely zero cost, to answer any and all questions you may have regarding the protection of yourself and your family.


Our Gurus are assisting anybody with queries relating (but not limited) to the following: 

  • Life Insurance and Funeral Cover;
  • The insurance T's and C’s;
  • How best to structure your insurance at this critical time;
  • And any other queries, where possible.  
CompareGuru Social TwitterCompareGuru Social FacebookCompareGuru Social LinkedIn

Sign up to our Newsletter now, and don’t miss a beat.

Email Address
Sign Up